Development
First Financial Credit Union
Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 9.2. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Fair (4.5) profitability.
Other Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (5.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (53%), home mtgs (10%), securities (1%), other (37%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
4910 Union Way, NE
Albuquerque, NM 87107
Albuquerque, NM 87107
Phone Number
(505) 766-5600
NCUA Charter Number
Website
Largest Competitors
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM
Albuquerque, NM